Tradesman Insurance

What Is Tradesman Insurance?

Tradesman insurance provides specialist cover for sole traders and businesses in the building and construction industry. Policies are available for over 100 different trades providing public liability protection for legal costs and any associated compensation payments should you, or one of your employees, cause damage to property, or injury to a third party in connection with your business.

Tradesman packages can also be extended to cover all of your specific requirements such as employers liability for injury to employees or sub-contractors, and loss or damage to tools or equipment.

Do I Need Tradesman Insurance?

If you have any employees you are required by law to purchase employers liability insurance or you can face a fine of up to £2,500 per day. Whilst tradesman public liability cover is not compulsory it should be regarded as essential for any manual trade, without it you will be personally liable for any accidents or others losses which may occur, putting your home or other assets at risk.

If you sub-contract to a larger firm it is highly likely that you will be asked to provide proof of cover prior to commencement of any work or when tendering for a job. If cover is already in place it makes the whole process much smoother.

Compare Tradesman Insurance Quotes

Whether you are a one-man-band, partnership or limited company, buying cover is a breeze! Simply enter some quick details about your business and trade and our secure online system will compare quotes for tradesman cover from up to 10 of the UK’s leading liability insurers.

Whilst fixing new facia boards to a local property a builder drops his hammer which falls 10 metres onto a passer by causing a head injury. The tradesman receives a claim for shock and injury as well as loss of earnings. Total claims estimates exceed £15k.

Prices start from as little as £50 (plus insurance premium tax), but the specific cost of cover depends on a number of simple rating factors:
• The size of the business (number of people working manually or the turnover)
• The type of trade and/or split of work being carried out
• Required limit of indemnity
• Experience and any claims history

There is no simple answer to how much cover you need and best advice is always to consider you individual circumstances, both in terms of the work you carry out and the premises you work at. Think about the maximum property damage you could cause as well as the risk to the public.

If you are sub-contracting to another firm it is likely that they will specify a minimum level of cover required. Typically this will start from £2m for public liability, but can rise to £5m when working on larger projects or for the local authority.